Endowus review

Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Endowus is a Singapore robo-advisor for investors who want a managed portfolio without picking their own funds. It asks for a minimum investment of SGD 1,000 and holds a Monetary Authority of Singapore capital markets services licence, so it suits savers who can start at that level.

Key facts

Best for
A hands-off managed portfolio for investors based in Singapore
Management fee
0.15% to 0.6% (Source, checked September 26, 2026)
Minimum investment
SGD 1,000 (Source, checked September 26, 2026)
Regulators
Monetary Authority of Singapore (capital markets services licence) (Source, checked September 26, 2026)
Account types
Joint (Source, checked September 26, 2026)
Portfolio types
ESG, Cash (Source, checked September 26, 2026)
Legal entity
Endowus Singapore Pte. Ltd. (Source, checked September 26, 2026)
Headquarters
Singapore (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Official website
endowus.com

Apps and profiles

Get the app
App Store
Elsewhere
LinkedIn

Pros and cons

Pros

  • Regulated by the Monetary Authority of Singapore, so the firm operates under a capital markets services licence.
  • Portfolio choices include esg and cash, giving you a cash or sustainability-focused mix.
  • Account types include joint, so couples can hold a portfolio together.

Cons

  • The SGD 1,000 minimum investment sits far above the robo-advisor median of €60.06, locking out small savers.
  • Support runs on help centre only, so you are left to find answers yourself.
  • Account types cover joint alone, so a joint structure is the only account shape on offer.
Endowus

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Scored 8.7 / 10 by BrokerCue.

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Who it suits

  • Investors in Singapore who would rather hold a managed portfolio than choose their own funds.
  • Couples wanting a shared pot, since account types include joint.
  • Savers who can commit SGD 1,000 and leave the money in place.

Who should look elsewhere

  • eToro, if you would rather see a management fee of 0% than an annual advisory percentage.
  • Axos Invest, which starts at $100, so it suits investors who cannot meet SGD 1,000.
  • Vivid Standard, where fees run 0.5% to 1.5%, if you are weighing business banking plans instead of portfolios.

What trading costs

Endowus charges a management fee of 0.15% to 0.6% a year, and that ongoing charge is the main cost to weigh. You also need a minimum investment of SGD 1,000 to get started, so the fee only earns its place once that sum is invested. For a small saver the SGD 1,000 entry point matters more than the percentage, because the annual charge applies to the balance you hold.

Who runs it

Endowus is run by Endowus Singapore Pte. Ltd., based in Singapore and founded in 2017. It holds a Monetary Authority of Singapore capital markets services licence, number 101051. That licence is what allows the firm to manage portfolios in Singapore. Support comes through a help centre, so help is self-service.

How Endowus compares

Where Endowus is available

Available
Singapore
Licence in Singapore
Monetary Authority of Singapore (capital markets services licence) (101051), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Endowus cost to use?+

The ongoing charge is a management fee of 0.15% to 0.6% a year. You also need a minimum investment of SGD 1,000 before the account opens, so the percentage applies to whatever balance you hold. That makes the starting amount the number that decides whether the annual charge makes sense.

How much money do I need to start with Endowus?+

The stated minimum investment is SGD 1,000, well above the median of €60.06 across robo-advisors. Anyone starting with a smaller sum is out of reach until the balance builds. Axos Invest asks for $100 by comparison, so it opens at a far lower level.

Is Endowus regulated, and who authorises it?+

Endowus is run by Endowus Singapore Pte. Ltd. and is authorised by the Monetary Authority of Singapore under a capital markets services licence, number 101051. That licence is the permission to run the business and manage portfolios in Singapore. Read the account terms for how your money is safeguarded.

Where is Endowus based, and who runs it?+

The company is Endowus Singapore Pte. Ltd., based in Singapore and founded in 2017. The account and the portfolios are built for investors buying and holding in Singapore, so investors elsewhere should check availability for their own market before opening an account.

Can I open a joint account?+

Yes. Account types include joint, so a couple can hold the portfolio together instead of splitting it between separate holders. Contributions then go into the same managed pot, which suits pairs who want to keep fees simple. The help centre explains how an extra holder is added.

What portfolios can I choose from?+

Portfolio options include esg and cash, so you can hold a sustainability-focused or cash portfolio rather than a broad mixed fund. Cash is the most defensive option here, and the sustainability theme steers holdings toward environmental, social and governance goals.

How do I get help with the account?+

Support comes through a help centre, where you look up answers yourself. No phone or live chat line is listed, so time-sensitive questions can take a while to resolve. Keeping your own record of contributions and portfolio changes helps if you need to trace something.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Investor protection.

Endowus

Endowus

A hands-off managed portfolio for investors based in Singapore

8.7/10See alternatives

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